Vola Finance cash advance app review

Borrow up to $300 — but membership fees aren't transparent.

Vola offers tools for monitoring your bank account to help you budget better. But pick another app if you want to avoid membership fees and need more transparency around eligibility requirements and costs.

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Product NameVola Finance
Max. Amount$300
Loan TermVaries
Turnaround TimeAs soon as same business day
Costs$2.99 to $28.99 membership fee
RequirementsBank account at least 3 months old, average balance over $150, income and deposit activity, activity most days of the week

What are the pros and cons of Vola Finance?


  • Advance amount not determined by previously worked hours
  • Financial literacy tools
  • Notifications when bank account balance is low


  • Low maximum advance of $300
  • Must sign in to bank account to view membership tiers and costs
  • Average bank account balance of $150+ required
  • Multiple reported problems with the app

Our take on Vola Finance

Vola is similar to other cash advance apps like Brigit and MoneyLion, offering loans up to $300, a credit builder program and tools for monitoring your bank balance. Its Smart Alert feature alerts you when your bank balance is low so you can avoid overdraft fees. But unlike other cash advance providers, very little information is available about the app on its website — leaving the user to guess how much it costs to use, what the bank requirements are and how much they can borrow.

Vola Finance overview

Vola deducts repayments automatically from your bank account, but you can make a payment earlier without penalties. And if you’re running low on funds, you can request an extension of up to 10 days. Once you repay your advance, there is a cool-off period of five days before you can borrow again.


  • Membership fees start at $2.99
  • Eligible members can withdraw up to $300
  • Fund are available as soon as one business day


Vola Finance supports over 6,000 banks and credit unions, but your bank account must meet a few requirements to qualify for an advance.

  • 3+ months old
  • Average balance over $150
  • Shows income and deposits
  • Shows some activity most days of the week

Vola Finance reviews and complaints

BBB accredited No
BBB rating D-
BBB customer complaints 9 customer complaints
App Store Score 4.5 out of 5 stars, based on 7,700 customer reviews
Google Play Score 4.7 out of 5 stars, based on 1,628 customer reviews
Customer reviews verified as of 20 April 2022
The Vola Finance app appears to get high marks from customers on Google Play and the App Store, but most of the recent reviews are negative. Reviewers complain about problems with the app’s interface including issues setting up direct deposit from their banks, checking their memberships and logging into their accounts. Customers also report issues with customer service, saying it took days or even weeks to get a response.

While far less in number, positive reviews from customers mention how easy it is to borrow an advance and manage their expenses with the app. Vola Finance isn’t accredited with the Better Business Bureau (BBB) and earns a D- business rating for how it’s handled nine customer complaints over the past three years.

Vola Finance app vs. payday loans

Vola Finance offers small interest-free loans with a membership — which may make it less expensive than borrowing multiple payday loans.

Vola FinancePayday loan
Maximum amountUp to $300Typically up to $500, and most states allow only one at a time
Turnaround timeOne business dayTypically one business day
Application processDownload the app and connect your bank account infoOnline application, typically requires Social Security number and bank account numbers
CostsStarts at $2.99 per monthHigh interest rate that can equal fees of $15 to $25 per $100 borrowed
AvailabilityNationwideProhibited in some states

Is Vola Finance safe to use?

Vola Finance doesn’t directly state how it keeps your bank account information secure. Connect with Vola Finance to ensure your information will be safe when you use its app. The company has a detailed privacy policy that states it won’t share or sell your information to third parties for commercial purposes, but it may be shared to verify your accounts and payments.

Should I use the Vola Finance app?

Vola Finance can help you manage your finances and keep your bank accounts in the positive, but it’s a newer service and customers report issues with its app and customer service. Read our guide to pay advance apps to learn more about the process and compare your other options.

Compare Vola Finance to other pay advance apps

Compare even more cash advance apps to find the right one for your lifestyle and budgeting needs. View maximum loan amounts, turnaround times and applicable costs and fees.

1 - 0 of 0
Name Product Filter Values Max. amount per pay period Turnaround time Costs
1 to 3 days or same-day in some circumstances
$9.99 monthly membership fee
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Cash App
Cash App
Receive paychecks up to 2 days early.
Possible Finance Mobile Installment Loans
As fast as 1 business day
Rates vary by state, though you’ll likely be charged around $15 or $20 per $100 borrowed.
Borrow up to $500 with just a few swipes — but only for residents of 21 states.
MoneyLion Instacash advances
$250, $300 with RoarMoney account
3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account
$29 monthly fee if you have a Plus membership
Fee-free, interest-free cash advances up to $250.

Compare up to 4 providers

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